A dynamic loan processor can always find a way to get the job done. Learn what it really takes to be a pro at mortgage loan processing. www.completemortgageprocessing.com

published:16 Dec 2008

views:664

http://alphabench.com/data/excel-amortization-tutorial.htmlDownload the file used by following the link above.
Basic and advanced loan amortization tables in Excel. Demonstrates PMT, IPMT and PPMT functions. With visualization of balance and cumulative interest over the life of the loan. Also discusses the NPER function.
See how the finance of mortgage loans works. See the impact of extra payments on the life of the loan and total interest paid.
Calculate a simple monthly payment here:
https://youtu.be/LM8Yyc9E5A4
The file used can be downloaded at the link above.

published:03 Oct 2017

views:3823

This video shows how to open and use the Loan AmortizationCalculator found in Microsoft Excel2007/2010. Calculator allows you to enter loan amount, annual interest rate, time frame, number of payments per year, start date and any option extra payments. The calculator will output the cumulative loan, principle per payment, interest per payment and more. This video also demonstrates how to unprotect the sheet.

published:23 Apr 2012

views:27720

cimula palang yan

published:20 Feb 2013

views:1073

LessonCode: http://www.developphp.com/video/JavaScript/Monthly-Payment-Loan-Calculator-Form-Programming-Tutorial
Learn to program a Monthly Payment Loan Calculator with simple interest calculations included. The JavaScript logic can be used with or without value gathering form controls. In this tutorial we are adding the HTML form elements that will gather values needed by the script.

Lendr is an end-to-end loans origination and loans management platform that you can access via your desktop or mobile device.
Lendr utilizes industry-grade and award-winning mobile technology platform in applying and processing any type of loan. This frictionless innovative solution enables and empowers Smart, Sun TalkNText, Globe, TM and other mobile network subscribers to have a one-stop loans shop showing all loan offers of all participating banks for faster, more convenient, dynamic, secure and engaging loan application experience.

published:07 Aug 2017

views:685

In this video series-1, Richard Turner, the former ChiefCreditOfficer, ShoreBank, shares his "tricks of the trade" for loan analysis. Richard explains the Lending Process as an intersection of the three circles: Market, Management and Mathematics. He further explains the dynamic relation between the three components. Turner has been involved in making loans and training credit staff for well over 30 years. Much of that experience was spent in the United States but also in a number of foreign countries, primarily in Eastern Europe.

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
****************************
LinkedIn profile: http://www.linkedin.com/in/mattnelsoncontroller
Resume: http://1drv.ms/1WVHh4c
Spreadsheet: http://1drv.ms/1QsTBF9
CE Credit Fund (Bitcoin tip jar): 1QAG5wfxeFW1iC5mE7DmQBZhJUB7NVgNXq

Dynamics

Every object experiences some form of motion which is the result of different forces acting on the object. Dynamics is the study of the forces which are responsible for this motion.
Dynamics (from Greek δυναμικός dynamikos "powerful", from δύναμις dynamis "power") may refer to:

Loan

In finance, a loan is the lending of money from one individual, organization or entity to another individual, organization or entity. A loan is a debt provided by an entity (organization or individual) to another entity at an interest rate, and evidenced by a promissory note which specifies, among other things, the principal amount of money borrowed, the interest rate the lender is charging, and date of repayment. A loan entails the reallocation of the subject asset(s) for a period of time, between the lender and the borrower.

In a loan, the borrower initially receives or borrows an amount of money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money to the lender at a later time.

The loan is generally provided at a cost, referred to as interest on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these obligations and restrictions is enforced by contract, which can also place the borrower under additional restrictions known as loan covenants. Although this article focuses on monetary loans, in practice any material object might be lent.

Magic Trick (film)

Magic Trick is a short film made in 1953 by Orson Welles, for use in a show by magician Richard Himber. It involves Welles on-screen interacting with Himber off-screen as the two play a card trick, and would have been projected life-size (in black and white) during Himber's touring stage show in the 1950s.

Subsequent use of the footage by David Copperfield

Magician David Copperfield resurrected the footage for use in his 1992 CBS TV special, The Magic of David Copperfield XIV: Flying - Live the Dream. In it, he interacted with the footage to repeat the same card trick, claiming that he was communicating with Orson Welles from beyond the grave.

Dynamic Loan Processor

A dynamic loan processor can always find a way to get the job done. Learn what it really takes to be a pro at mortgage loan processing. www.completemortgageprocessing.com

15:34

How to Make Loan Amortization Tables in Excel || Download Demo File

How to Make Loan Amortization Tables in Excel || Download Demo File

How to Make Loan Amortization Tables in Excel || Download Demo File

http://alphabench.com/data/excel-amortization-tutorial.htmlDownload the file used by following the link above.
Basic and advanced loan amortization tables in Excel. Demonstrates PMT, IPMT and PPMT functions. With visualization of balance and cumulative interest over the life of the loan. Also discusses the NPER function.
See how the finance of mortgage loans works. See the impact of extra payments on the life of the loan and total interest paid.
Calculate a simple monthly payment here:
https://youtu.be/LM8Yyc9E5A4
The file used can be downloaded at the link above.

5:22

Loan Amortization Calculator (Installed Excel Template)

Loan Amortization Calculator (Installed Excel Template)

Loan Amortization Calculator (Installed Excel Template)

This video shows how to open and use the Loan AmortizationCalculator found in Microsoft Excel2007/2010. Calculator allows you to enter loan amount, annual interest rate, time frame, number of payments per year, start date and any option extra payments. The calculator will output the cumulative loan, principle per payment, interest per payment and more. This video also demonstrates how to unprotect the sheet.

4:37

LA kong loan by-dynamic rapper yuha ft. realkian

LA kong loan by-dynamic rapper yuha ft. realkian

LA kong loan by-dynamic rapper yuha ft. realkian

cimula palang yan

6:32

JavaScript Monthly Payment Loan Calculator Programming Tutorial

JavaScript Monthly Payment Loan Calculator Programming Tutorial

JavaScript Monthly Payment Loan Calculator Programming Tutorial

LessonCode: http://www.developphp.com/video/JavaScript/Monthly-Payment-Loan-Calculator-Form-Programming-Tutorial
Learn to program a Monthly Payment Loan Calculator with simple interest calculations included. The JavaScript logic can be used with or without value gathering form controls. In this tutorial we are adding the HTML form elements that will gather values needed by the script.

How to Create Loan Management Systems with Excel VBA - Full Tutorial

Lendr: Loan Na Aprub Sa'Yo!

Lendr is an end-to-end loans origination and loans management platform that you can access via your desktop or mobile device.
Lendr utilizes industry-grade and award-winning mobile technology platform in applying and processing any type of loan. This frictionless innovative solution enables and empowers Smart, Sun TalkNText, Globe, TM and other mobile network subscribers to have a one-stop loans shop showing all loan offers of all participating banks for faster, more convenient, dynamic, secure and engaging loan application experience.

8:42

Loan analysis (Tricks of the trade): Part 1 - Richard Turner

Loan analysis (Tricks of the trade): Part 1 - Richard Turner

Loan analysis (Tricks of the trade): Part 1 - Richard Turner

In this video series-1, Richard Turner, the former ChiefCreditOfficer, ShoreBank, shares his "tricks of the trade" for loan analysis. Richard explains the Lending Process as an intersection of the three circles: Market, Management and Mathematics. He further explains the dynamic relation between the three components. Turner has been involved in making loans and training credit staff for well over 30 years. Much of that experience was spent in the United States but also in a number of foreign countries, primarily in Eastern Europe.

Multiple Loan Repayment Optimization

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
****************************
LinkedIn profile: http://www.linkedin.com/in/mattnelsoncontroller
Resume: http://1drv.ms/1WVHh4c
Spreadsheet: http://1drv.ms/1QsTBF9
CE Credit Fund (Bitcoin tip jar): 1QAG5wfxeFW1iC5mE7DmQBZhJUB7NVgNXq

See how to create an amortization table that will update when you pay extra principal so that loan is paid off early. See how to make changes to a template, get into trouble, then trouble shoot your way out of it so that you can fix the template. See how to TroubleShootFormulaCreation.

5:11

How to find Interest & Principal payments on a Loan in Excel

How to find Interest & Principal payments on a Loan in Excel

How to find Interest & Principal payments on a Loan in Excel

More help: https://www.teachexcel.com
ExcelForum: https://www.teachexcel.com/talk/microsoft-office?src=yt
How to find the interest and principal payments on a fixed rate loan in excel. This tutorial will walk you through using the PPMT() and IPMT() functions in excel in order to find out how much of a monthly payment on a loan actually goes to pay off the loan amount and how much is just an interest payment.
More free excel stuff such as macros, tutorials, articles, etc. go to: TeachExcel.com

Dynamic Loan Processor

A dynamic loan processor can always find a way to get the job done. Learn what it really takes to be a pro at mortgage loan processing. www.completemortgageprocessing.com

published: 16 Dec 2008

How to Make Loan Amortization Tables in Excel || Download Demo File

http://alphabench.com/data/excel-amortization-tutorial.htmlDownload the file used by following the link above.
Basic and advanced loan amortization tables in Excel. Demonstrates PMT, IPMT and PPMT functions. With visualization of balance and cumulative interest over the life of the loan. Also discusses the NPER function.
See how the finance of mortgage loans works. See the impact of extra payments on the life of the loan and total interest paid.
Calculate a simple monthly payment here:
https://youtu.be/LM8Yyc9E5A4
The file used can be downloaded at the link above.

published: 03 Oct 2017

Loan Amortization Calculator (Installed Excel Template)

This video shows how to open and use the Loan AmortizationCalculator found in Microsoft Excel2007/2010. Calculator allows you to enter loan amount, annual interest rate, time frame, number of payments per year, start date and any option extra payments. The calculator will output the cumulative loan, principle per payment, interest per payment and more. This video also demonstrates how to unprotect the sheet.

published: 23 Apr 2012

LA kong loan by-dynamic rapper yuha ft. realkian

cimula palang yan

published: 20 Feb 2013

JavaScript Monthly Payment Loan Calculator Programming Tutorial

LessonCode: http://www.developphp.com/video/JavaScript/Monthly-Payment-Loan-Calculator-Form-Programming-Tutorial
Learn to program a Monthly Payment Loan Calculator with simple interest calculations included. The JavaScript logic can be used with or without value gathering form controls. In this tutorial we are adding the HTML form elements that will gather values needed by the script.

published: 05 Mar 2014

How to Create Loan Management Systems with Excel VBA - Full Tutorial

Lendr: Loan Na Aprub Sa'Yo!

Lendr is an end-to-end loans origination and loans management platform that you can access via your desktop or mobile device.
Lendr utilizes industry-grade and award-winning mobile technology platform in applying and processing any type of loan. This frictionless innovative solution enables and empowers Smart, Sun TalkNText, Globe, TM and other mobile network subscribers to have a one-stop loans shop showing all loan offers of all participating banks for faster, more convenient, dynamic, secure and engaging loan application experience.

published: 07 Aug 2017

Loan analysis (Tricks of the trade): Part 1 - Richard Turner

In this video series-1, Richard Turner, the former ChiefCreditOfficer, ShoreBank, shares his "tricks of the trade" for loan analysis. Richard explains the Lending Process as an intersection of the three circles: Market, Management and Mathematics. He further explains the dynamic relation between the three components. Turner has been involved in making loans and training credit staff for well over 30 years. Much of that experience was spent in the United States but also in a number of foreign countries, primarily in Eastern Europe.

published: 22 Jun 2012

How to Create a Loan Management Systems in Excel using VBA

Multiple Loan Repayment Optimization

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very ...

See how to create an amortization table that will update when you pay extra principal so that loan is paid off early. See how to make changes to a template, get into trouble, then trouble shoot your way out of it so that you can fix the template. See how to TroubleShootFormulaCreation.

published: 21 Feb 2010

How to find Interest & Principal payments on a Loan in Excel

More help: https://www.teachexcel.com
ExcelForum: https://www.teachexcel.com/talk/microsoft-office?src=yt
How to find the interest and principal payments on a fixed rate loan in excel. This tutorial will walk you through using the PPMT() and IPMT() functions in excel in order to find out how much of a monthly payment on a loan actually goes to pay off the loan amount and how much is just an interest payment.
More free excel stuff such as macros, tutorials, articles, etc. go to: TeachExcel.com

How to Make Loan Amortization Tables in Excel || Download Demo File

http://alphabench.com/data/excel-amortization-tutorial.htmlDownload the file used by following the link above.
Basic and advanced loan amortization tables in...

http://alphabench.com/data/excel-amortization-tutorial.htmlDownload the file used by following the link above.
Basic and advanced loan amortization tables in Excel. Demonstrates PMT, IPMT and PPMT functions. With visualization of balance and cumulative interest over the life of the loan. Also discusses the NPER function.
See how the finance of mortgage loans works. See the impact of extra payments on the life of the loan and total interest paid.
Calculate a simple monthly payment here:
https://youtu.be/LM8Yyc9E5A4
The file used can be downloaded at the link above.

http://alphabench.com/data/excel-amortization-tutorial.htmlDownload the file used by following the link above.
Basic and advanced loan amortization tables in Excel. Demonstrates PMT, IPMT and PPMT functions. With visualization of balance and cumulative interest over the life of the loan. Also discusses the NPER function.
See how the finance of mortgage loans works. See the impact of extra payments on the life of the loan and total interest paid.
Calculate a simple monthly payment here:
https://youtu.be/LM8Yyc9E5A4
The file used can be downloaded at the link above.

This video shows how to open and use the Loan AmortizationCalculator found in Microsoft Excel2007/2010. Calculator allows you to enter loan amount, annual interest rate, time frame, number of payments per year, start date and any option extra payments. The calculator will output the cumulative loan, principle per payment, interest per payment and more. This video also demonstrates how to unprotect the sheet.

This video shows how to open and use the Loan AmortizationCalculator found in Microsoft Excel2007/2010. Calculator allows you to enter loan amount, annual interest rate, time frame, number of payments per year, start date and any option extra payments. The calculator will output the cumulative loan, principle per payment, interest per payment and more. This video also demonstrates how to unprotect the sheet.

JavaScript Monthly Payment Loan Calculator Programming Tutorial

LessonCode: http://www.developphp.com/video/JavaScript/Monthly-Payment-Loan-Calculator-Form-Programming-Tutorial
Learn to program a Monthly Payment Loan Calcul...

LessonCode: http://www.developphp.com/video/JavaScript/Monthly-Payment-Loan-Calculator-Form-Programming-Tutorial
Learn to program a Monthly Payment Loan Calculator with simple interest calculations included. The JavaScript logic can be used with or without value gathering form controls. In this tutorial we are adding the HTML form elements that will gather values needed by the script.

LessonCode: http://www.developphp.com/video/JavaScript/Monthly-Payment-Loan-Calculator-Form-Programming-Tutorial
Learn to program a Monthly Payment Loan Calculator with simple interest calculations included. The JavaScript logic can be used with or without value gathering form controls. In this tutorial we are adding the HTML form elements that will gather values needed by the script.

Lendr is an end-to-end loans origination and loans management platform that you can access via your desktop or mobile device.
Lendr utilizes industry-grade and award-winning mobile technology platform in applying and processing any type of loan. This frictionless innovative solution enables and empowers Smart, Sun TalkNText, Globe, TM and other mobile network subscribers to have a one-stop loans shop showing all loan offers of all participating banks for faster, more convenient, dynamic, secure and engaging loan application experience.

Lendr is an end-to-end loans origination and loans management platform that you can access via your desktop or mobile device.
Lendr utilizes industry-grade and award-winning mobile technology platform in applying and processing any type of loan. This frictionless innovative solution enables and empowers Smart, Sun TalkNText, Globe, TM and other mobile network subscribers to have a one-stop loans shop showing all loan offers of all participating banks for faster, more convenient, dynamic, secure and engaging loan application experience.

In this video series-1, Richard Turner, the former ChiefCreditOfficer, ShoreBank, shares his "tricks of the trade" for loan analysis. Richard explains the Lending Process as an intersection of the three circles: Market, Management and Mathematics. He further explains the dynamic relation between the three components. Turner has been involved in making loans and training credit staff for well over 30 years. Much of that experience was spent in the United States but also in a number of foreign countries, primarily in Eastern Europe.

In this video series-1, Richard Turner, the former ChiefCreditOfficer, ShoreBank, shares his "tricks of the trade" for loan analysis. Richard explains the Lending Process as an intersection of the three circles: Market, Management and Mathematics. He further explains the dynamic relation between the three components. Turner has been involved in making loans and training credit staff for well over 30 years. Much of that experience was spent in the United States but also in a number of foreign countries, primarily in Eastern Europe.

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
****************************
LinkedIn profile: http://www.linkedin.com/in/mattnelsoncontroller
Resume: http://1drv.ms/1WVHh4c
Spreadsheet: http://1drv.ms/1QsTBF9
CE Credit Fund (Bitcoin tip jar): 1QAG5wfxeFW1iC5mE7DmQBZhJUB7NVgNXq

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
****************************
LinkedIn profile: http://www.linkedin.com/in/mattnelsoncontroller
Resume: http://1drv.ms/1WVHh4c
Spreadsheet: http://1drv.ms/1QsTBF9
CE Credit Fund (Bitcoin tip jar): 1QAG5wfxeFW1iC5mE7DmQBZhJUB7NVgNXq

See how to create an amortization table that will update when you pay extra principal so that loan is paid off early. See how to make changes to a template, get...

See how to create an amortization table that will update when you pay extra principal so that loan is paid off early. See how to make changes to a template, get into trouble, then trouble shoot your way out of it so that you can fix the template. See how to TroubleShootFormulaCreation.

See how to create an amortization table that will update when you pay extra principal so that loan is paid off early. See how to make changes to a template, get into trouble, then trouble shoot your way out of it so that you can fix the template. See how to TroubleShootFormulaCreation.

How to find Interest & Principal payments on a Loan in Excel

More help: https://www.teachexcel.com
ExcelForum: https://www.teachexcel.com/talk/microsoft-office?src=yt
How to find the interest and principal payments on a...

More help: https://www.teachexcel.com
ExcelForum: https://www.teachexcel.com/talk/microsoft-office?src=yt
How to find the interest and principal payments on a fixed rate loan in excel. This tutorial will walk you through using the PPMT() and IPMT() functions in excel in order to find out how much of a monthly payment on a loan actually goes to pay off the loan amount and how much is just an interest payment.
More free excel stuff such as macros, tutorials, articles, etc. go to: TeachExcel.com

More help: https://www.teachexcel.com
ExcelForum: https://www.teachexcel.com/talk/microsoft-office?src=yt
How to find the interest and principal payments on a fixed rate loan in excel. This tutorial will walk you through using the PPMT() and IPMT() functions in excel in order to find out how much of a monthly payment on a loan actually goes to pay off the loan amount and how much is just an interest payment.
More free excel stuff such as macros, tutorials, articles, etc. go to: TeachExcel.com

Multiple Loan Repayment Optimization

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very ...

Loan types and loan amortization corporate finance ch 6 p 6

Student Loans and Repayment Strategies for the Class of 2017

published: 17 Feb 2017

13. Banks

Financial Markets (2011) (ECON 252)
Banks are among our enduring of financial institutions. Their survival in so many different historical periods is testimony to their importance. ProfessorShiller traces the origins of interest rates from Sumeria in 2000 BC, to ancient Greece and Rome, up to the Song Dynasty in China between the 10th and the 12th century. Subsequently, he looks at banking in Italy during the Renaissance and at the goldsmith bankers in 16th and 17th century England. Banks have survived so long because they solve adverse selection and moral hazard problems. Additionally, he covers Douglas Diamond's and Philip Dybvig's model, which does not only analyze the banks' role for liquidity provision, but also reveals the possibility of bank runs. This leads Professor Shiller to d...

17. Callable Bonds and the Mortgage Prepayment Option

Financial Theory (ECON 251)
This lecture is about optimal exercise strategies for callable bonds, which are bonds bundled with an option that allows the borrower to pay back the loan early, if she chooses. Using backward induction, we calculate the borrower's optimal strategy and the value of the option. As with the simple examples in the previous lecture, the option value turns out to be very large. The most important callable bond is the fixed rate amortizing mortgage; calling a mortgage means prepaying your remaining balance. We examine how high bankers must set the mortgage rate in order to compensate for the prepayment option they give homeowners. Looking at data on mortgage rates we see that mortgage borrowers often fail to prepay optimally.
00:00 - Chapter 1. Introduction to...

published: 02 Apr 2011

Money Making Plan: Loan Agent Home Business Webinar

MODERN HOME BUSINESS SERVICES REVOLUTION
LEARN MORE: https://youngevityservices.com/home/#101220379 (click “opportunity”)
FREESIGN UP
FREE PERSONALIZED WEBSITE
FREE TRAINING
NOTHING YOU HAVE TO BUY
FREE TOOLS such as videos, PDF brochures
NO EXPERTISE REQUIRED- you get commissions by simply referring as an agent
Optional Tools to purchase (business cards, drop cards, clothing, more)
FREE TRAVEL DISCOUNT PORTAL- big savings for you on hotels, international flights; Tickets to movies, sporting events, concerts, theme parks, attractions
Make money while helping others save money.
Are you interested in being a business owner with the potential for strong financial rewards? A business that doesn’t require any financial risk yet offers the possibility of significant up front income? If so, w...

published: 27 Aug 2017

Dynamic Banter | Episode 72 - A Quadrillion Tic Tacs

The epic conclusion to the question of how many Tic Tacs have been made, is finally revealed. in this episode of dynamic banter Mike Falzone & Steve Zaragoza imagine a Zany Dr, make a phone call insuring about student loans, discuss Steve being a hot-shot VO actor, and tic-tacs.
Edited by Sarah Gullickson
WEARDYNAMIC BANTER THINGS: https://www.hideandseekclothing.com/collections/dynamic-banter

published: 28 Oct 2017

How to use Excel to create a Loan amort table

How to use excel to detail the principal and interest payments for a loan that pays monthly or annually.

published: 07 Mar 2014

Loan Amortization and NPV of Interest Pmt XGA

The video covers the following topics:-Calculating a payment of a multipayment loan.-Constructing a loan amortization table.-Calculating the NPV of interest payments

In this tutorial Commercial BankRevenueModel: Loan Projections, you’ll learn about the key revenue drivers for a commercial bank, with a focus on how to project its loan portfolio based on GDP growth, market share, and addressable loan market sizes.
http://breakingintowallstreet.com/
"Financial Modeling Training And Career Resources For Aspiring Investment Bankers"
Table of Contents:
1:46: Overview of Revenue for a Bank
6:47: The Step-by-Step Process to Project Loan Growth
15:06: Calculating and Checking the Loan Size in Each Segment
19:39: Recap and Summary
For pure-play commercial banks, the vast majority of their revenue will come from “Net Interest Income”: Interest Income on Loans, less Interest Expense paid on Deposits, Debt, and Other Funding Sources.
KEY QUESTION #1: What will the bank’s Loans and Deposits be?
KEY QUESTION #2: What will the bank’s Interest Rates Earned and Paid Be?
Interest rates are a whole separate topic, and Deposits and Funding Sources are usually linked to Loans, so we’re going to focus on the key drivers behind Loans and Loan Growth here.
More so than with “normal companies,” commercial banks’ fortunes are heavily linked to the overall economy.
Higher GDP growth results in more transactions – more buying and selling – and to more borrowing by both consumers and businesses.
A healthy bank will tend to grow its loans more quickly than the GDP growth rate – credit expansion leads economic expansion.
So the first key driver of Loan Growth is GDP growth.
Some banks might sell more effectively, might offer more favorable terms for lenders, or might have different lending standards, so market share also plays a role (this is key driver #2).
The Step-by-Step Process to Project a Bank’s Loan PortfolioStep #1: Determine the sizes of a bank’s markets (e.g., Mortgages, Auto Loans, and Credit Cards) to calculate its market share(s).
Step #2: Make each market a percentage of the country’s GDP.
Step #3: Project how the country’s GDP changes in the future.
Step #4: Project the bank’s market share in each segment and forecast each loan market as a percentage of the country’s GDP.
Step #5: Calculate the Loan Size in each segment with GDP * Loan Market Size as a % of GDP * Bank’s Market Share.
Steps1 & 2: Sizing the Loan Markets
Possible Sources: Bank’s IPO Prospectus, Industry Reports (UK – De MontfortGroup), Bank’s Interim/Annual Reports or Earnings Calls, EquityResearch…
If you can’t find data on loan market sizes, make it less granular and look at Total Loans in the country instead and calculate the bank’s market share there.
The goal is to get a rough sense of whether the bank’s market share is rising or declining over time.
Step 3: Projecting GDP Growth
You can find any country’s nominal GDP via sources like Wikipedia, Statista, the IMF/World Bank, etc.
For the projections, you can consult with similar sources, but you should also consider different cases and think about what happens if growth continues as expected, what happens if it goes above expectations, and what happens if there’s a recession followed by a recovery.
Step 4: Projecting Future Market Share and Addressable Loan Market Sizes
Approach #1: Follow and extend historical trends (If the bank is losing/gaining market share, continue that; otherwise, keep it steady).
Approach #2: Speak with people in the market, such as real estate brokers and new homeowners, and see if you can discern trends from them (“channel checks”).
Approach #3: Look for outside sources such as equity research and buy-side research and see what they’re saying.
Step 5: Calculating the Loan Size in Each Segment
Loan Size = Nominal GDP * Loan Market Size as % of GDP * Bank’s Market Share
The harder part is checking your numbers afterward – Do the estimates seem reasonable? Do they accurately reflect different outcomes?
You often want the Base or UpsideCase to be close to equity research/consensus/management estimates.
And the Downside Case should be real (e.g., 2009-style recession) – negative GDP growth, not just 1% growth rather than 2%.
RESOURCES:
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections-Before.xlsx
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections-After.xlsx
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections.pdf

In this tutorial Commercial BankRevenueModel: Loan Projections, you’ll learn about the key revenue drivers for a commercial bank, with a focus on how to project its loan portfolio based on GDP growth, market share, and addressable loan market sizes.
http://breakingintowallstreet.com/
"Financial Modeling Training And Career Resources For Aspiring Investment Bankers"
Table of Contents:
1:46: Overview of Revenue for a Bank
6:47: The Step-by-Step Process to Project Loan Growth
15:06: Calculating and Checking the Loan Size in Each Segment
19:39: Recap and Summary
For pure-play commercial banks, the vast majority of their revenue will come from “Net Interest Income”: Interest Income on Loans, less Interest Expense paid on Deposits, Debt, and Other Funding Sources.
KEY QUESTION #1: What will the bank’s Loans and Deposits be?
KEY QUESTION #2: What will the bank’s Interest Rates Earned and Paid Be?
Interest rates are a whole separate topic, and Deposits and Funding Sources are usually linked to Loans, so we’re going to focus on the key drivers behind Loans and Loan Growth here.
More so than with “normal companies,” commercial banks’ fortunes are heavily linked to the overall economy.
Higher GDP growth results in more transactions – more buying and selling – and to more borrowing by both consumers and businesses.
A healthy bank will tend to grow its loans more quickly than the GDP growth rate – credit expansion leads economic expansion.
So the first key driver of Loan Growth is GDP growth.
Some banks might sell more effectively, might offer more favorable terms for lenders, or might have different lending standards, so market share also plays a role (this is key driver #2).
The Step-by-Step Process to Project a Bank’s Loan PortfolioStep #1: Determine the sizes of a bank’s markets (e.g., Mortgages, Auto Loans, and Credit Cards) to calculate its market share(s).
Step #2: Make each market a percentage of the country’s GDP.
Step #3: Project how the country’s GDP changes in the future.
Step #4: Project the bank’s market share in each segment and forecast each loan market as a percentage of the country’s GDP.
Step #5: Calculate the Loan Size in each segment with GDP * Loan Market Size as a % of GDP * Bank’s Market Share.
Steps1 & 2: Sizing the Loan Markets
Possible Sources: Bank’s IPO Prospectus, Industry Reports (UK – De MontfortGroup), Bank’s Interim/Annual Reports or Earnings Calls, EquityResearch…
If you can’t find data on loan market sizes, make it less granular and look at Total Loans in the country instead and calculate the bank’s market share there.
The goal is to get a rough sense of whether the bank’s market share is rising or declining over time.
Step 3: Projecting GDP Growth
You can find any country’s nominal GDP via sources like Wikipedia, Statista, the IMF/World Bank, etc.
For the projections, you can consult with similar sources, but you should also consider different cases and think about what happens if growth continues as expected, what happens if it goes above expectations, and what happens if there’s a recession followed by a recovery.
Step 4: Projecting Future Market Share and Addressable Loan Market Sizes
Approach #1: Follow and extend historical trends (If the bank is losing/gaining market share, continue that; otherwise, keep it steady).
Approach #2: Speak with people in the market, such as real estate brokers and new homeowners, and see if you can discern trends from them (“channel checks”).
Approach #3: Look for outside sources such as equity research and buy-side research and see what they’re saying.
Step 5: Calculating the Loan Size in Each Segment
Loan Size = Nominal GDP * Loan Market Size as % of GDP * Bank’s Market Share
The harder part is checking your numbers afterward – Do the estimates seem reasonable? Do they accurately reflect different outcomes?
You often want the Base or UpsideCase to be close to equity research/consensus/management estimates.
And the Downside Case should be real (e.g., 2009-style recession) – negative GDP growth, not just 1% growth rather than 2%.
RESOURCES:
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections-Before.xlsx
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections-After.xlsx
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections.pdf

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
****************************
LinkedIn profile: http://www.linkedin.com/in/mattnelsoncontroller
Resume: http://1drv.ms/1WVHh4c
Spreadsheet: http://1drv.ms/1QsTBF9
CE Credit Fund (Bitcoin tip jar): 1QAG5wfxeFW1iC5mE7DmQBZhJUB7NVgNXq

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
****************************
LinkedIn profile: http://www.linkedin.com/in/mattnelsoncontroller
Resume: http://1drv.ms/1WVHh4c
Spreadsheet: http://1drv.ms/1QsTBF9
CE Credit Fund (Bitcoin tip jar): 1QAG5wfxeFW1iC5mE7DmQBZhJUB7NVgNXq

17. Callable Bonds and the Mortgage Prepayment Option

Financial Theory (ECON 251)
This lecture is about optimal exercise strategies for callable bonds, which are bonds bundled with an option that allows the bor...

Financial Theory (ECON 251)
This lecture is about optimal exercise strategies for callable bonds, which are bonds bundled with an option that allows the borrower to pay back the loan early, if she chooses. Using backward induction, we calculate the borrower's optimal strategy and the value of the option. As with the simple examples in the previous lecture, the option value turns out to be very large. The most important callable bond is the fixed rate amortizing mortgage; calling a mortgage means prepaying your remaining balance. We examine how high bankers must set the mortgage rate in order to compensate for the prepayment option they give homeowners. Looking at data on mortgage rates we see that mortgage borrowers often fail to prepay optimally.
00:00 - Chapter 1. Introduction to CallableBonds and MortgageOptions
12:14 - Chapter 2. Assessing Option Value via Backward Induction
42:44 - Chapter 3. Fixed Rate Amortizing Mortgage
57:51 - Chapter 4. How Banks Set Mortgage Rates for Prepayers
Complete course materials are available at the Open Yale Courses website: http://open.yale.edu/courses
This course was recorded in Fall 2009.

Financial Theory (ECON 251)
This lecture is about optimal exercise strategies for callable bonds, which are bonds bundled with an option that allows the borrower to pay back the loan early, if she chooses. Using backward induction, we calculate the borrower's optimal strategy and the value of the option. As with the simple examples in the previous lecture, the option value turns out to be very large. The most important callable bond is the fixed rate amortizing mortgage; calling a mortgage means prepaying your remaining balance. We examine how high bankers must set the mortgage rate in order to compensate for the prepayment option they give homeowners. Looking at data on mortgage rates we see that mortgage borrowers often fail to prepay optimally.
00:00 - Chapter 1. Introduction to CallableBonds and MortgageOptions
12:14 - Chapter 2. Assessing Option Value via Backward Induction
42:44 - Chapter 3. Fixed Rate Amortizing Mortgage
57:51 - Chapter 4. How Banks Set Mortgage Rates for Prepayers
Complete course materials are available at the Open Yale Courses website: http://open.yale.edu/courses
This course was recorded in Fall 2009.

MODERN HOME BUSINESS SERVICES REVOLUTION
LEARN MORE: https://youngevityservices.com/home/#101220379 (click “opportunity”)
FREESIGN UP
FREE PERSONALIZED WEBSITE
FREE TRAINING
NOTHING YOU HAVE TO BUY
FREE TOOLS such as videos, PDF brochures
NO EXPERTISE REQUIRED- you get commissions by simply referring as an agent
Optional Tools to purchase (business cards, drop cards, clothing, more)
FREE TRAVEL DISCOUNT PORTAL- big savings for you on hotels, international flights; Tickets to movies, sporting events, concerts, theme parks, attractions
Make money while helping others save money.
Are you interested in being a business owner with the potential for strong financial rewards? A business that doesn’t require any financial risk yet offers the possibility of significant up front income? If so, we may be for you. We offer the opportunity for you to earn a ceiling free income by helping people to save money on services they already use, or for introducing them to new services. Work when you want from where you want
Who We Are
Youngevity Services is a new division of a 20 year old company, Youngevity International, Inc. (nasdaq: YGYI). In 2016, Youngevity decided to expand into the services industry and we plan to become a leader in the marketing and promotion of business and residential services.
Work On Your Terms
You are smart and we believe in you and your freedom. In this new economy, social and word of mouth selling is quickly emerging as the most popular – and lucrative – way to combine having a balanced lifestyle with earning a serious income. This isn’t about 9 to 5. More like 24/7 freedom to work where and when you want. How far you go is up to you, but we’ll give you the tools and support to get there, at your pace.
What We Offer
The service division of Youngevity offers both residential and business services. Some of the business services provide immediate and larger income for you as an agent, while the other services provide more long term residual income, paying you each month for the life of the customer.
How You Win Financially
We believe you should have access to services that allow you to earn significant up front income, while also building long term monthly repeating income on the clients you acquire. We believe your income should only be limited by your production, so we put zero ceilings on what you can earn. What about incentives and bonuses to reach for? Yes, those too.
Support For Success
So we provide you with access to training, education, and tools to attract both clients and other distributors. No reason to guess your way to success, simply follow the road map.
RewardingCompensation
You deserve more.
And we’ll help you get it.
Youngevity has one of the most generous compensation plans in the industry. The best part? Your income is essentially limitless. You determine your success. We have significant up front income available and long-term monthly residual (repeating) income.
Dynamic compensation.
Here’s where things get interesting. No other company offers you as many different ways to earn money. We call it “dynamic compensation.” You’ll just call it “wow.” It’s all about giving you more – we’re talking up to 10 different ways to grow your rewards – as part of the Youngevity lifestyle.
Personal Commissions
You earn personal commissions on every service client you acquire. In some cases you will receive a large up front commission allowing you to reach full time income from acquiring clients alone. You can also earn personal commissions month over month for the life of your customers allowing you to create a long-lasting monthly residual (repeating) income
Up FrontService Commissions
On certain services, you will be paid a larger up front commission designed to allow you an immediate pathway to full time income from client acquisition alone.
Residual Monthly Service Commissions
Many of our services provide you with a personal commission each month on the monthly subscription usage of your customer for as long as they stay subscribed to it. This allows you to accumulate customers and income over time and to have an expected minimum level of residual monthly income.
Team Commissions
If you chose to recruit and support a team of other service distributors, you can earn on all of the clients they acquire too.
As an agent, you refer people or businesses to services to help them save on existing services they use or introduce them to new services. You do NOT have to be an expert.
SERVICES FOR HOME.
ID Protection/ Credit Monitoring better than Lifelock
Tech Support better than GeeksquadRoadside Assistance better than AAA or others
24 hourVirtualDoctor Visits
DiscountShoppingPortal
BUSINESS SERVICES
Small Business Loans
Voice and Mobile Phone Tech
Data and InternetCloudEnterprise IT
We do not guarantee any income generation whatsoever. Any examples of financial gain are for illustration only- not typical of agents.

MODERN HOME BUSINESS SERVICES REVOLUTION
LEARN MORE: https://youngevityservices.com/home/#101220379 (click “opportunity”)
FREESIGN UP
FREE PERSONALIZED WEBSITE
FREE TRAINING
NOTHING YOU HAVE TO BUY
FREE TOOLS such as videos, PDF brochures
NO EXPERTISE REQUIRED- you get commissions by simply referring as an agent
Optional Tools to purchase (business cards, drop cards, clothing, more)
FREE TRAVEL DISCOUNT PORTAL- big savings for you on hotels, international flights; Tickets to movies, sporting events, concerts, theme parks, attractions
Make money while helping others save money.
Are you interested in being a business owner with the potential for strong financial rewards? A business that doesn’t require any financial risk yet offers the possibility of significant up front income? If so, we may be for you. We offer the opportunity for you to earn a ceiling free income by helping people to save money on services they already use, or for introducing them to new services. Work when you want from where you want
Who We Are
Youngevity Services is a new division of a 20 year old company, Youngevity International, Inc. (nasdaq: YGYI). In 2016, Youngevity decided to expand into the services industry and we plan to become a leader in the marketing and promotion of business and residential services.
Work On Your Terms
You are smart and we believe in you and your freedom. In this new economy, social and word of mouth selling is quickly emerging as the most popular – and lucrative – way to combine having a balanced lifestyle with earning a serious income. This isn’t about 9 to 5. More like 24/7 freedom to work where and when you want. How far you go is up to you, but we’ll give you the tools and support to get there, at your pace.
What We Offer
The service division of Youngevity offers both residential and business services. Some of the business services provide immediate and larger income for you as an agent, while the other services provide more long term residual income, paying you each month for the life of the customer.
How You Win Financially
We believe you should have access to services that allow you to earn significant up front income, while also building long term monthly repeating income on the clients you acquire. We believe your income should only be limited by your production, so we put zero ceilings on what you can earn. What about incentives and bonuses to reach for? Yes, those too.
Support For Success
So we provide you with access to training, education, and tools to attract both clients and other distributors. No reason to guess your way to success, simply follow the road map.
RewardingCompensation
You deserve more.
And we’ll help you get it.
Youngevity has one of the most generous compensation plans in the industry. The best part? Your income is essentially limitless. You determine your success. We have significant up front income available and long-term monthly residual (repeating) income.
Dynamic compensation.
Here’s where things get interesting. No other company offers you as many different ways to earn money. We call it “dynamic compensation.” You’ll just call it “wow.” It’s all about giving you more – we’re talking up to 10 different ways to grow your rewards – as part of the Youngevity lifestyle.
Personal Commissions
You earn personal commissions on every service client you acquire. In some cases you will receive a large up front commission allowing you to reach full time income from acquiring clients alone. You can also earn personal commissions month over month for the life of your customers allowing you to create a long-lasting monthly residual (repeating) income
Up FrontService Commissions
On certain services, you will be paid a larger up front commission designed to allow you an immediate pathway to full time income from client acquisition alone.
Residual Monthly Service Commissions
Many of our services provide you with a personal commission each month on the monthly subscription usage of your customer for as long as they stay subscribed to it. This allows you to accumulate customers and income over time and to have an expected minimum level of residual monthly income.
Team Commissions
If you chose to recruit and support a team of other service distributors, you can earn on all of the clients they acquire too.
As an agent, you refer people or businesses to services to help them save on existing services they use or introduce them to new services. You do NOT have to be an expert.
SERVICES FOR HOME.
ID Protection/ Credit Monitoring better than Lifelock
Tech Support better than GeeksquadRoadside Assistance better than AAA or others
24 hourVirtualDoctor Visits
DiscountShoppingPortal
BUSINESS SERVICES
Small Business Loans
Voice and Mobile Phone Tech
Data and InternetCloudEnterprise IT
We do not guarantee any income generation whatsoever. Any examples of financial gain are for illustration only- not typical of agents.

Dynamic Banter | Episode 72 - A Quadrillion Tic Tacs

The epic conclusion to the question of how many Tic Tacs have been made, is finally revealed. in this episode of dynamic banter Mike Falzone & Steve Zaragoza im...

The epic conclusion to the question of how many Tic Tacs have been made, is finally revealed. in this episode of dynamic banter Mike Falzone & Steve Zaragoza imagine a Zany Dr, make a phone call insuring about student loans, discuss Steve being a hot-shot VO actor, and tic-tacs.
Edited by Sarah Gullickson
WEARDYNAMIC BANTER THINGS: https://www.hideandseekclothing.com/collections/dynamic-banter

The epic conclusion to the question of how many Tic Tacs have been made, is finally revealed. in this episode of dynamic banter Mike Falzone & Steve Zaragoza imagine a Zany Dr, make a phone call insuring about student loans, discuss Steve being a hot-shot VO actor, and tic-tacs.
Edited by Sarah Gullickson
WEARDYNAMIC BANTER THINGS: https://www.hideandseekclothing.com/collections/dynamic-banter

How to Make Loan Amortization Tables in Excel || Download Demo File

http://alphabench.com/data/excel-amortization-tutorial.htmlDownload the file used by following the link above.
Basic and advanced loan amortization tables in Excel. Demonstrates PMT, IPMT and PPMT functions. With visualization of balance and cumulative interest over the life of the loan. Also discusses the NPER function.
See how the finance of mortgage loans works. See the impact of extra payments on the life of the loan and total interest paid.
Calculate a simple monthly payment here:
https://youtu.be/LM8Yyc9E5A4
The file used can be downloaded at the link above.

5:22

Loan Amortization Calculator (Installed Excel Template)

This video shows how to open and use the Loan Amortization Calculator found in Microsoft E...

Loan Amortization Calculator (Installed Excel Template)

This video shows how to open and use the Loan AmortizationCalculator found in Microsoft Excel2007/2010. Calculator allows you to enter loan amount, annual interest rate, time frame, number of payments per year, start date and any option extra payments. The calculator will output the cumulative loan, principle per payment, interest per payment and more. This video also demonstrates how to unprotect the sheet.

JavaScript Monthly Payment Loan Calculator Programming Tutorial

LessonCode: http://www.developphp.com/video/JavaScript/Monthly-Payment-Loan-Calculator-Form-Programming-Tutorial
Learn to program a Monthly Payment Loan Calculator with simple interest calculations included. The JavaScript logic can be used with or without value gathering form controls. In this tutorial we are adding the HTML form elements that will gather values needed by the script.

Lendr: Loan Na Aprub Sa'Yo!

Lendr is an end-to-end loans origination and loans management platform that you can access via your desktop or mobile device.
Lendr utilizes industry-grade and award-winning mobile technology platform in applying and processing any type of loan. This frictionless innovative solution enables and empowers Smart, Sun TalkNText, Globe, TM and other mobile network subscribers to have a one-stop loans shop showing all loan offers of all participating banks for faster, more convenient, dynamic, secure and engaging loan application experience.

8:42

Loan analysis (Tricks of the trade): Part 1 - Richard Turner

In this video series-1, Richard Turner, the former Chief Credit Officer, ShoreBank, share...

Loan analysis (Tricks of the trade): Part 1 - Richard Turner

In this video series-1, Richard Turner, the former ChiefCreditOfficer, ShoreBank, shares his "tricks of the trade" for loan analysis. Richard explains the Lending Process as an intersection of the three circles: Market, Management and Mathematics. He further explains the dynamic relation between the three components. Turner has been involved in making loans and training credit staff for well over 30 years. Much of that experience was spent in the United States but also in a number of foreign countries, primarily in Eastern Europe.

33:25

How to Create a Loan Management Systems in Excel using VBA

How to Create a Loan Management Systems in Excel using VBA, if statement, and he following...

Multiple Loan Repayment Optimization

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
****************************
LinkedIn profile: http://www.linkedin.com/in/mattnelsoncontroller
Resume: http://1drv.ms/1WVHh4c
Spreadsheet: http://1drv.ms/1QsTBF9
CE Credit Fund (Bitcoin tip jar): 1QAG5wfxeFW1iC5mE7DmQBZhJUB7NVgNXq

4:00

Learn Excel 2010 - "Variable Rate Loan Payment": Podcast #1438

"I was in Milwaukee this week at the IIA Regional Conference when Heidi asked me about cal...

See how to create an amortization table that will update when you pay extra principal so that loan is paid off early. See how to make changes to a template, get into trouble, then trouble shoot your way out of it so that you can fix the template. See how to TroubleShootFormulaCreation.

How to find Interest & Principal payments on a Loan in Excel

More help: https://www.teachexcel.com
ExcelForum: https://www.teachexcel.com/talk/microsoft-office?src=yt
How to find the interest and principal payments on a fixed rate loan in excel. This tutorial will walk you through using the PPMT() and IPMT() functions in excel in order to find out how much of a monthly payment on a loan actually goes to pay off the loan amount and how much is just an interest payment.
More free excel stuff such as macros, tutorials, articles, etc. go to: TeachExcel.com

Commercial Bank Revenue Model: Loan Projections

In this tutorial Commercial BankRevenueModel: Loan Projections, you’ll learn about the key revenue drivers for a commercial bank, with a focus on how to project its loan portfolio based on GDP growth, market share, and addressable loan market sizes.
http://breakingintowallstreet.com/
"Financial Modeling Training And Career Resources For Aspiring Investment Bankers"
Table of Contents:
1:46: Overview of Revenue for a Bank
6:47: The Step-by-Step Process to Project Loan Growth
15:06: Calculating and Checking the Loan Size in Each Segment
19:39: Recap and Summary
For pure-play commercial banks, the vast majority of their revenue will come from “Net Interest Income”: Interest Income on Loans, less Interest Expense paid on Deposits, Debt, and Other Funding Sources.
KEY QUESTION #1: What will the bank’s Loans and Deposits be?
KEY QUESTION #2: What will the bank’s Interest Rates Earned and Paid Be?
Interest rates are a whole separate topic, and Deposits and Funding Sources are usually linked to Loans, so we’re going to focus on the key drivers behind Loans and Loan Growth here.
More so than with “normal companies,” commercial banks’ fortunes are heavily linked to the overall economy.
Higher GDP growth results in more transactions – more buying and selling – and to more borrowing by both consumers and businesses.
A healthy bank will tend to grow its loans more quickly than the GDP growth rate – credit expansion leads economic expansion.
So the first key driver of Loan Growth is GDP growth.
Some banks might sell more effectively, might offer more favorable terms for lenders, or might have different lending standards, so market share also plays a role (this is key driver #2).
The Step-by-Step Process to Project a Bank’s Loan PortfolioStep #1: Determine the sizes of a bank’s markets (e.g., Mortgages, Auto Loans, and Credit Cards) to calculate its market share(s).
Step #2: Make each market a percentage of the country’s GDP.
Step #3: Project how the country’s GDP changes in the future.
Step #4: Project the bank’s market share in each segment and forecast each loan market as a percentage of the country’s GDP.
Step #5: Calculate the Loan Size in each segment with GDP * Loan Market Size as a % of GDP * Bank’s Market Share.
Steps1 & 2: Sizing the Loan Markets
Possible Sources: Bank’s IPO Prospectus, Industry Reports (UK – De MontfortGroup), Bank’s Interim/Annual Reports or Earnings Calls, EquityResearch…
If you can’t find data on loan market sizes, make it less granular and look at Total Loans in the country instead and calculate the bank’s market share there.
The goal is to get a rough sense of whether the bank’s market share is rising or declining over time.
Step 3: Projecting GDP Growth
You can find any country’s nominal GDP via sources like Wikipedia, Statista, the IMF/World Bank, etc.
For the projections, you can consult with similar sources, but you should also consider different cases and think about what happens if growth continues as expected, what happens if it goes above expectations, and what happens if there’s a recession followed by a recovery.
Step 4: Projecting Future Market Share and Addressable Loan Market Sizes
Approach #1: Follow and extend historical trends (If the bank is losing/gaining market share, continue that; otherwise, keep it steady).
Approach #2: Speak with people in the market, such as real estate brokers and new homeowners, and see if you can discern trends from them (“channel checks”).
Approach #3: Look for outside sources such as equity research and buy-side research and see what they’re saying.
Step 5: Calculating the Loan Size in Each Segment
Loan Size = Nominal GDP * Loan Market Size as % of GDP * Bank’s Market Share
The harder part is checking your numbers afterward – Do the estimates seem reasonable? Do they accurately reflect different outcomes?
You often want the Base or UpsideCase to be close to equity research/consensus/management estimates.
And the Downside Case should be real (e.g., 2009-style recession) – negative GDP growth, not just 1% growth rather than 2%.
RESOURCES:
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections-Before.xlsx
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections-After.xlsx
https://youtube-breakingintowallstreet-com.s3.amazonaws.com/Bank-Loan-Projections.pdf

22:51

Multiple Loan Repayment Optimization

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the...

Multiple Loan Repayment Optimization

Hello, I'm Matthew Nelson, MBA, and in this (my first) video, I demonstrate how to use the Solver program for Microsoft Excel to determine the optimal repayment schedule for multiple, unconsolidated loans.
The model contains controls that verify the accuracy of the data by calculating the total interest paid in two different ways.
Incorporating a monthly budget and effective payroll tax rate, the model calculates the minimum required gross salary that is needed for the desired repayment period given monthly living expenses.
Using economic profit maximization techniques, I determine point estimates for marginal cost and marginal revenue to find out the economically optimal repayment period.
This model has in mind student loans, so I hope you find this useful and informative.
Some very useful, and sometimes arcane, Excel functions are used that are worth learning: OFFSET, MATCH, SLOPE, INTERCEPT, YEARFRAC, TODAY, ROUND, VLOOKUP, MAX, PMT, FV, NPER.
N.B. To change an APR to 365/360, divide the decimal interest rate by 360, add 1, and raise to the 30th power. Subtract 1, and you'll have an equivalent, daily compounding rate.
Don't forget to like, share, and comment. Thanks for watching!
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17. Callable Bonds and the Mortgage Prepayment Option

Financial Theory (ECON 251)
This lecture is about optimal exercise strategies for callable bonds, which are bonds bundled with an option that allows the borrower to pay back the loan early, if she chooses. Using backward induction, we calculate the borrower's optimal strategy and the value of the option. As with the simple examples in the previous lecture, the option value turns out to be very large. The most important callable bond is the fixed rate amortizing mortgage; calling a mortgage means prepaying your remaining balance. We examine how high bankers must set the mortgage rate in order to compensate for the prepayment option they give homeowners. Looking at data on mortgage rates we see that mortgage borrowers often fail to prepay optimally.
00:00 - Chapter 1. Introduction to CallableBonds and MortgageOptions
12:14 - Chapter 2. Assessing Option Value via Backward Induction
42:44 - Chapter 3. Fixed Rate Amortizing Mortgage
57:51 - Chapter 4. How Banks Set Mortgage Rates for Prepayers
Complete course materials are available at the Open Yale Courses website: http://open.yale.edu/courses
This course was recorded in Fall 2009.

21:31

Money Making Plan: Loan Agent Home Business Webinar

MODERN HOME BUSINESS SERVICES REVOLUTION
LEARN MORE: https://youngevityservices.com/home/...

Money Making Plan: Loan Agent Home Business Webinar

MODERN HOME BUSINESS SERVICES REVOLUTION
LEARN MORE: https://youngevityservices.com/home/#101220379 (click “opportunity”)
FREESIGN UP
FREE PERSONALIZED WEBSITE
FREE TRAINING
NOTHING YOU HAVE TO BUY
FREE TOOLS such as videos, PDF brochures
NO EXPERTISE REQUIRED- you get commissions by simply referring as an agent
Optional Tools to purchase (business cards, drop cards, clothing, more)
FREE TRAVEL DISCOUNT PORTAL- big savings for you on hotels, international flights; Tickets to movies, sporting events, concerts, theme parks, attractions
Make money while helping others save money.
Are you interested in being a business owner with the potential for strong financial rewards? A business that doesn’t require any financial risk yet offers the possibility of significant up front income? If so, we may be for you. We offer the opportunity for you to earn a ceiling free income by helping people to save money on services they already use, or for introducing them to new services. Work when you want from where you want
Who We Are
Youngevity Services is a new division of a 20 year old company, Youngevity International, Inc. (nasdaq: YGYI). In 2016, Youngevity decided to expand into the services industry and we plan to become a leader in the marketing and promotion of business and residential services.
Work On Your Terms
You are smart and we believe in you and your freedom. In this new economy, social and word of mouth selling is quickly emerging as the most popular – and lucrative – way to combine having a balanced lifestyle with earning a serious income. This isn’t about 9 to 5. More like 24/7 freedom to work where and when you want. How far you go is up to you, but we’ll give you the tools and support to get there, at your pace.
What We Offer
The service division of Youngevity offers both residential and business services. Some of the business services provide immediate and larger income for you as an agent, while the other services provide more long term residual income, paying you each month for the life of the customer.
How You Win Financially
We believe you should have access to services that allow you to earn significant up front income, while also building long term monthly repeating income on the clients you acquire. We believe your income should only be limited by your production, so we put zero ceilings on what you can earn. What about incentives and bonuses to reach for? Yes, those too.
Support For Success
So we provide you with access to training, education, and tools to attract both clients and other distributors. No reason to guess your way to success, simply follow the road map.
RewardingCompensation
You deserve more.
And we’ll help you get it.
Youngevity has one of the most generous compensation plans in the industry. The best part? Your income is essentially limitless. You determine your success. We have significant up front income available and long-term monthly residual (repeating) income.
Dynamic compensation.
Here’s where things get interesting. No other company offers you as many different ways to earn money. We call it “dynamic compensation.” You’ll just call it “wow.” It’s all about giving you more – we’re talking up to 10 different ways to grow your rewards – as part of the Youngevity lifestyle.
Personal Commissions
You earn personal commissions on every service client you acquire. In some cases you will receive a large up front commission allowing you to reach full time income from acquiring clients alone. You can also earn personal commissions month over month for the life of your customers allowing you to create a long-lasting monthly residual (repeating) income
Up FrontService Commissions
On certain services, you will be paid a larger up front commission designed to allow you an immediate pathway to full time income from client acquisition alone.
Residual Monthly Service Commissions
Many of our services provide you with a personal commission each month on the monthly subscription usage of your customer for as long as they stay subscribed to it. This allows you to accumulate customers and income over time and to have an expected minimum level of residual monthly income.
Team Commissions
If you chose to recruit and support a team of other service distributors, you can earn on all of the clients they acquire too.
As an agent, you refer people or businesses to services to help them save on existing services they use or introduce them to new services. You do NOT have to be an expert.
SERVICES FOR HOME.
ID Protection/ Credit Monitoring better than Lifelock
Tech Support better than GeeksquadRoadside Assistance better than AAA or others
24 hourVirtualDoctor Visits
DiscountShoppingPortal
BUSINESS SERVICES
Small Business Loans
Voice and Mobile Phone Tech
Data and InternetCloudEnterprise IT
We do not guarantee any income generation whatsoever. Any examples of financial gain are for illustration only- not typical of agents.

22:50

Dynamic Banter | Episode 72 - A Quadrillion Tic Tacs

The epic conclusion to the question of how many Tic Tacs have been made, is finally reveal...

Dynamic Banter | Episode 72 - A Quadrillion Tic Tacs

The epic conclusion to the question of how many Tic Tacs have been made, is finally revealed. in this episode of dynamic banter Mike Falzone & Steve Zaragoza imagine a Zany Dr, make a phone call insuring about student loans, discuss Steve being a hot-shot VO actor, and tic-tacs.
Edited by Sarah Gullickson
WEARDYNAMIC BANTER THINGS: https://www.hideandseekclothing.com/collections/dynamic-banter

20:44

How to use Excel to create a Loan amort table

How to use excel to detail the principal and interest payments for a loan that pays monthl...

How to use Excel to create a Loan amort table...

Loan Amortization and NPV of Interest Pmt XGA...

It turns out that a theory explaining how we might detect parallel universes and prediction for the end of the world was proposed and completed by physicist Stephen Hawking shortly before he died ... &nbsp;. According to reports, the work predicts that the universe would eventually end when stars run out of energy ... ....

Britain’s Royal Astronomical Society announced Monday that an object called 1I/2017 (‘Oumuamua) – the first confirmed asteroid known to have journeyed here from outside our solar system – most likely came from from a binary star system, or two stars orbiting a common center of gravity, EarthSky reported ... They looked at how common these star systems are in the galaxy ... ....

In another blow to the Trump administration Monday, the US Supreme Court decided Arizona must continue to issue state driver’s licenses to so-called Dreamer immigrants and refused to hear an effort by the state to challenge the Obama-era program that protects hundreds of thousands of young adults brought into the country illegally as children, Reuters reported ... – WN.com. Jack Durschlag....

Uber announced on Monday that it was pulling all of its self-driving cars from public roads in Arizona and San Francisco, Toronto, and Pittsburgh after a female pedestrian was reportedly killed after being struck by an autonomous Uber vehicle in Tempe, according to The Verge.&nbsp; ... “We are fully cooperating with local authorities in their investigation of this incident.” ... "Some incredibly sad news out of Arizona....

At the two sessions, National People's Congress deputies and Chinese People's Political Consultative Conference National Committee members have been discussing how to tackle the companies issuing illegal loans that target college students ... Some loan companies target college students on campus and they use quite bad measures in their "businesses"....

It is believed that the trio assisted the key accused in the loan fraud case, gain access to the bank's funds illegally ...Axis bank had initially given a Rs 125 crore loan to Parekh Alluminex Ltd in 2010 ... To get the loans, the names and documents of many firms were misused by the accused."...

Which is why many poultry farmers — who usually are small businesses with well less than 500 employees — seek out loans that are backed by the Small Business Administration. Now these loans are being more closely scrutinized by the very agency that issues them ... Between 2012 and 2016, the SBA backed 1,535 loans to these small farmers....

THE PUNJAB and Haryana High Court Monday raised questions over the Punjab government’s crop loan waiver scheme for farmers and asked it to explain in detail from where the money it intends to spend on implementation would come ...The Punjab government had issued a notification on the crop loan waiver scheme in October 2017. According to the scheme, the government offers loan waiver to small and marginal farmers to the tune of Rs 2 lakh....

The CentralBureau of Investigation (CBI) filed charges on Monday against a former chairman of state-run Canara Bank and others over allegations that the officials helped a company defraud the bank of about $10.5 million taken in loans over four years ago ...The government has cracked down on shady loans in its mammoth state banking sector after a ......

The falling own source revenue generation through tax collection has become a major concern for the Khyber Pakhtunkhwa and the Finance Department has planned to seek $100 millionloan from the World Bank to enable the tax collecting machinery to cope with the anomaly ... The IDA will provide $ 100 million (Rs10.5 billion) in loan for the implementation of the project....

It will detail all debts taken out above €500, such as credit card debts, overdrafts, mortgages and personal loans... You have made an application for a new loan;You have applied to have your existing loan restructured;You have arrears on your existing loan... Initially, details of car loans and hire-purchase agreements will be excluded, but these will be added at a later stage....